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Luz  Y Salvacion Group
In this Group: Esperanza Del Socorro, Francis Milonga, Isabel Del Socorro, Yamileth Del Socorro
This group of micro-entrepreneurs is made up of four members. One of them is Esperanza who makes and sells Nicaraguan tamales (corn, meat and rice wrapped in a banana leaf) on weekends from her home. She also sells merchandise like assorted clothing, cosmetics, footwear, etc. She will use the loan to buy pork, rice, corn, spices, banana leaves, firewood, and assorted new clothing. Isabel has a sewing shop where she makes tailored and off-the-rack clothing. Francis works selling silver jewelry to public and private employees in various institutions in the capital and in her community. Yamileth de Rosario sells general merchandise like perfume, footwear, and men's and women's clothing.
View original language description ↓
Microempresarias de éxitos formados por cuatros socias una de ellas es Esperanza quien hace y vende nacatamales los fines de semanas en su casa además comercializa mercadería en general como ropa variada, cosméticos, calzados etc. el crédito lo invertirá en la compra de carne de cerdo, arroz, maíz, especies, hojas, leñas, y ropa variada y nueva. Isabel tiene un taller de costura hace ropa a la medida y en serie, Francis se dedica a la venta de joyas de plata a empleados públicos y privado en las diferentes instituciones de la capital y su comunidad, Yamileth del Rosario vende mercadería en general como perfume, calzado, ropa de varón y de dama.

Additional Information

About ADIM

Located in Central America, ADIM is a small microfinance institution with a strong social focus. In the saturated microfinance market of Nicaragua, ADIM stands out for its emphasis on the holistic development of women as well as its provision of responsible financial services. Founded in 1989 by a small group of Nicaraguan women, this institution has remained true to its initial goal of providing its clients (90% of which are women) with an opportunity for economic growth, in addition to personal and professional empowerment. Supporting an ADIM borrower means contributing not only to the continued offering of the socially conscious services it provides, but also to the sustainable growth of a truly unique microfinance institution.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Nicaragua

  • $4,800
    Average annual income
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $25,075,600
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A portion of Luz Y Salvacion Group's $925 loan helped a member to buy assorted clothing, corn, rice, banana leaves, spices, pork, etc.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 29, 2012
Nov 3, 2012
Currency Exchange Loss:
May 17, 2013